The Europay, MasterCard and Visa (EMV) and Single Euro Payments Area (SEPA) standards don't appear to have a lot in common, but there is one alarming similarity — the tortoise-like pace of migration which threatens deadlines for both.

"The disruptive changes are the common elements between EMV and SEPA, not just for merchants but for the broader payments community," says Brian Shniderman, the owner/principal and payments practice lead at Deloitte.

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